Guidance Residential in California vs the state
0.4%Denial rate-17.07 pts vs state
0.5%Decision denial rate-21.91 pts vs state
65.6%Origination rate+9.41 pts vs state
6.88%Median rate+0.25 pts vs state
0.35Rate spread (pts)+0.07 pts vs state
$199kMedian applicant income
187Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 68 | 4.6% | 7.00% | #369 |
| 2024 | 218 | 137 | 1.4% | 7.13% | #343 |
| 2025 | 285 | 187 | 0.4% | 6.88% | #321 |
What Guidance Residential lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 42 | 32 | 0 | 0.0% |
| Alameda County | 31 | 19 | 0 | 0.0% |
| San Joaquin County | 29 | 20 | 0 | 0.0% |
| San Diego County | 26 | 16 | 0 | 0.0% |
| Santa Clara County | 24 | 17 | 0 | 0.0% |
| Los Angeles County | 21 | 12 | 0 | 0.0% |
| Orange County | 21 | 15 | 0 | 0.0% |
| Riverside County | 16 | 10 | 0 | 0.0% |
| Fresno County | 15 | 13 | 0 | 0.0% |
| San Bernardino County | 11 | 5 | 1 | 9.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 285 applications in 2025, of which 187 were originated and 1 denied.
0.4% of all applications, or 0.5% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Guidance Residential originated in California in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology